Anggraini A, Wardhani A, Farhani NH. INTEGRATING FINANCIAL LITERACY INTO GEN Z’S PAYLATER CONSUMPTION AND FINANCIAL WELL-BEING: A CONCEPTUAL PAPER. IJEBAR [Internet]. 2026 May 30 [cited 2026 Jun. 5];10(2). Available from: https://jurnal.stie-aas.ac.id/index.php/IJEBAR/article/view/19925